We begin with what’s most important to you—from goals that can include retirement or education, to a major purchase like a second home.

1. Client Information Form: To optimize your time with Saket Sengar, you will complete a client information form prior to your scheduled initial consultation.

2. Analyzing Information: During the initial meeting, Saket will meticulously analyze both qualitative and quantitative data to comprehensively assess your personal and financial circumstances. This detailed examination gives Saket deeper insights into your goals and aspirations, facilitating more tailored and effective financial planning.

3. Identifying Potential Goals: During the consultation, Saket completes a comprehensive evaluation of your financial and personal situation. Together, you will pinpoint your objectives, taking into account the interplay between different goals. Saket will then help you set realistic targets, considering various factors such as life expectancy, inflation rates, tax implications, and expected investment returns. Additionally, Saket will assist in prioritizing these goals, ensuring alignment with your aspirations and financial feasibility. Saket can also provide candid feedback on goals that may not be attainable, fostering clarity and informed decision-making.

Based on both present circumstances and hypothetical scenarios, Saket Sengar carefully chooses one or more recommendations aimed at optimizing the achievement of your objectives. This recommendation might entail maintaining your existing strategy.

For every chosen recommendation, Saket thoroughly evaluates the following information:

• The assumptions and estimates used to develop the recommendation;
• The basis for making the recommendation, including how the recommendation is designed to maximize the potential to meet your goals, the anticipated material effects of the recommendation on your financial and personal circumstances, and how the recommendation integrates relevant elements of your personal and financial circumstances;
• The timing and priority of the recommendation;
• Whether the recommendation is independent or must be implemented with another recommendation.

We put the agreed-upon recommendations into action, informing you about expected timelines every step of the way.

1. Portfolio Advisory Agreement: Before initiating the implementation of my planning recommendations with the client, I request the client’s engagement for implementation tasks through a separate portfolio advisory agreement. Upon engagement as client’s advisor, I prioritize transparent communication by clearly outlining the recommendations being executed, as well as delineating my responsibilities to the client and any pertinent third parties involved in the implementation process.

2. Identifying, Analyzing, and Selecting Actions, Products, and Services: Once clients engage me as their advisor to manage their portfolio under the advisory agreement, I meticulously identify and analyze actions, products, and services customized to implement the recommendations. This selection process is based on two key factors:

• How well the action, product, or service aligns with implementing the recommendation; and
• The comparative advantages and disadvantages of the chosen action, product, or service in relation to other reasonably available alternatives.

3. Recommending Actions, Products, and Services for Implementation: In fulfilling my implementation duties, I typically advise the client on various actions, products, and services tailored to their needs. I engage in thorough discussions with the client regarding the rationale behind each recommendation, as well as the optimal timing and priority for implementation. Additionally, I am committed to transparently disclosing and responsibly managing any material conflicts of interest related to these recommendations.

4. Selecting and Implementing Actions, Products, or Services: I consistently assist the client in both selecting and executing the actions, products, or services deemed suitable for their needs. Moreover, I engage in discussions with the client whenever they opt for selections differing from my recommended choices.